We know that loving and caring for children doesn’t stop at school graduation. With the joy and excitement of sending a child off to college come a new set of parental responsibilities that encompasses everything from financial aid to finding affordable housing. Another consideration is making sure adequate college student health insurance is in place for college-bound children.

As difficult as it may be to think about taking on an additional expense when facing tuition and book fees, making sure a student’s health care is covered is as necessary as registering for classes. College students often look for ways to cut expenses, and sometimes gamble with their health insurance as a way to pinch a few pennies.
Student Health Insurance Covered Under Parent Policy

Parents need to take the time to check their own health care coverage and look at the policy’s fine print. Most family insurance plans will cover a full-time student under the age of 22, or until college graduation. Read carefully, however: Some plans may not cover dependent children after they reach their 18th or 21st birthday, regardless of student status. If a student changes his or her college enrollment status from full-time to part-time, there is a good chance it will affect insurance coverage from the provider. Understand the requirements of the policy to avoid rude and expensive surprises later.
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